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Coverage Compared
Endurance vs American Dream Auto Protect: what each one prints
Endurance and American Dream Auto Protect side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 16 of 26 rows: Deductible options printed; Sample contract online, no contact details asked; Price online without a phone call; Deductible and waiting period both printed; Mileage limit at purchase; Transferable to a new owner; Refund of unused share after coverage starts; Sold in CA, NY, WA, MA, FL; States excluded; Texas roster; Minnesota roster; New York roster; Obligor named; Backing insurer named; Founding year on its own site; Rubric score.
| Field | Endurance | American Dream Auto Protect |
|---|---|---|
| Role, as the company describes itselfEndurance: direct. American Dream Auto Protect: direct. | directsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | directsource: https://americandreamautoprotect.com/faq |
| Legal entityEndurance: Endurance Warranty Services, LLC. American Dream Auto Protect: American Dream Auto Protect Inc.. | Endurance Warranty Services, LLCsource: https://www.endurancewarranty.com/faq/ | American Dream Auto Protect Inc.source: https://americandreamautoprotect.com/ |
| HeadquartersEndurance: Northbrook, IL. American Dream Auto Protect: not published. | Northbrook, ILsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Money-back periodEndurance: 30 days. American Dream Auto Protect: 30 days. | 30 dayssource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | 30 dayssource: https://americandreamautoprotect.com/faq |
| Waiting periodEndurance: 30 days and 1,000 miles. American Dream Auto Protect: 30 days and 1,000 miles. | 30 days and 1,000 milessource: https://www.endurancewarranty.com/faq/ | 30 days and 1,000 milessource: https://americandreamautoprotect.com/faq |
| Lowest deductible printedEndurance: not published. American Dream Auto Protect: not published. | not published | not published |
| Deductible options printedEndurance: $100 standard if no deductible is stated on the application page. American Dream Auto Protect: not published. | $100 standard if no deductible is stated on the application pagesource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| $0 deductible optionEndurance: No (not found on the pages read). American Dream Auto Protect: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedEndurance: Yes. American Dream Auto Protect: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callEndurance: Yes. American Dream Auto Protect: No (not found on the pages read). | Yessource: https://buy.endurancewarranty.com/ | No (not found on the pages read)source: https://americandreamautoprotect.com/free-quote |
| Deductible and waiting period both printedEndurance: Yes. American Dream Auto Protect: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/ ; https://www.endurancewarranty.com/faq/ | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseEndurance: 20 model years. American Dream Auto Protect: 20 model years. | 20 model yearssource: https://www.endurancewarranty.com/faq/ | 20 model yearssource: https://americandreamautoprotect.com/protection-plans |
| Mileage limit at purchaseEndurance: No mileage cap stated. American Dream Auto Protect: 200,000 miles. | No mileage cap statedsource: https://www.endurancewarranty.com/faq/ | 200,000 milessource: https://americandreamautoprotect.com/protection-plans |
| Accepts vehicles past 100,000 milesEndurance: Yes. American Dream Auto Protect: Yes. | Yessource: https://www.endurancewarranty.com/faq/ | Yessource: https://americandreamautoprotect.com/faq |
| Transferable to a new ownerEndurance: Yes, fee: $50 ($40 in Florida per the state amendment). American Dream Auto Protect: Yes. | Yes, fee: $50 ($40 in Florida per the state amendment)source: https://www.endurancewarranty.com/faq/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Yessource: https://americandreamautoprotect.com/faq |
| Refund of unused share after coverage startsEndurance: Yes. American Dream Auto Protect: not published. | Yessource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Sold in CA, NY, WA, MA, FLEndurance: CA yes; MA no. American Dream Auto Protect: not published. | CA yes; MA nosource: https://www.endurancewarranty.com/faq/ | not published |
| States excludedEndurance: MA. American Dream Auto Protect: not published. | MAsource: https://www.endurancewarranty.com/faq/ | not published |
| Texas rosterEndurance: Listed. American Dream Auto Protect: Selling name not found on the roster. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Selling name not found on the rostersource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterEndurance: Listed. American Dream Auto Protect: Selling name not found on the roster. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Selling name not found on the rostersource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterEndurance: Listed. American Dream Auto Protect: Selling name not found on the roster. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Selling name not found on the rostersource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterEndurance: Selling name not found on the roster. American Dream Auto Protect: Selling name not found on the roster. | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteEndurance: Yes. American Dream Auto Protect: Yes. | Yessource: https://www.endurancewarranty.com/faq/ | Yessource: https://americandreamautoprotect.com/ |
| Obligor namedEndurance: Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida). American Dream Auto Protect: Not named on the pages read. | Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida)source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Not named on the pages readsource: not recorded in the provider file |
| Backing insurer namedEndurance: Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Company. American Dream Auto Protect: not published. | Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Companysource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf ; https://www.endurancewarranty.com/faq/ | not published |
| Founding year on its own siteEndurance: 2006. American Dream Auto Protect: not published. | 2006source: https://www.endurancewarranty.com/about-us/ | not published |
| Government actions, last five yearsEndurance: 1 on .gov pages. American Dream Auto Protect: 1 on .gov pages. | 1 on .gov pages
| 1 on .gov pages
|
| Rubric scoreEndurance: 87 of 100 (A 30, B 30, C 22, D 5). American Dream Auto Protect: 35 of 100 (A 0, B 25, C 5, D 5). | 87 of 100 (A 30, B 30, C 22, D 5) | 35 of 100 (A 0, B 25, C 5, D 5) |
Full sheets: Endurance and American Dream Auto Protect. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.